Provides that for treatment of substance use disorder, an insured shall only be responsible for annual deductibles and coinsurance and that the total amount that an insured shall be required to pay out-of-pocket is capped out at an amount not to exceed five hundred dollars for an episode of care.
Prohibits the imposition of a charge or deduction from a payment due to a health care provider because such payment is made through electronic or paper means.
Relates to extending the exemption from filing requirements only with respect to rates and policy forms to businesses underwritten and transacted from an office outside this state.
Limits third party verification of an applicant's driving history when used as a rating or underwriting factor for private passenger motor vehicle insurance to such applicant's New York State driving history; limits application to policies issued on and after the effective date.
Requires health insurance policies and medicaid to cover biomarker precision medical testing for diagnosis, treatment, or appropriate management of, or ongoing monitoring to guide treatment decisions for, a covered person's disease or condition when the test has recognized efficacy and appropriateness for such purposes.
Relates to provisions for wellness programs under life and accident and health insurance policies; provides that a "wellness program" shall not include limited benefits health insurance; authorizes an insurer to contract with a third party for purposes of administering or operating a wellness program on such insurer's behalf.
Requires written notice of an adverse determination made by a utilization review agent in relation to a step therapy protocol override determination which includes the clinical review criteria relied upon to make such determination and any applicable alternative prescription drugs subject to the step therapy protocol of the utilization review agent.
Authorizes certain policies issued by a risk retention group not chartered in this state; requires reporting by certain risk retention groups of other state's examinations, audits, or other investigations and their findings; amends the effective date of a chapter of the laws of 2023 amending the insurance law and the vehicle and traffic law relating to owner's policies of liability insurance issued by a risk retention group not chartered within this state, as proposed in legislative bills numbers S.5959-B and A.5718-B, to March 1, 2024.
Relates to supplementary uninsured and underinsured motorist coverage for police agencies; removes provisions of law relating to self-insurance; amends the effective date to remove contracts.
Establishes standards for the prompt investigation and settlement of claims arising out of states of emergency and disasters; relates to the effectiveness thereof.